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YES Bank Wellness Plus Credit Card

by Kshitiz V Sharma on

The Bottom Line

YES Bank Wellness Plus Credit Card
High Fee, Low Rewards

30 reward points / ₹200 on Pharmaceutical Stores and 6 points on all other spends. Many health and fitness benefits included.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield -1.8%^ -0.5%^ 0.1% 0.5% 0.6%
Est. Monthly Reward (₹) (95) (55) 25 245 625
All-India Rewards Rank* 270 283 286 255 210
Within Bank Rank* 14 15 15 12 10
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The YES Bank Wellness Plus Credit Card gives 0.75% effective reward on all spending with 7.5% rewards at pharmacies.

Overall, we estimate you can earn a net reward yield of 0.5-0.6% on spending above ₹50,000 with this card in a month.

The YES Prosperity Cashback Credit Card is the best credit card for YES BANK customers who spend less than ₹50,000 a month on their card.

You can earn a net reward yield of 1.2-1.8% on all your spending with this credit card.

If you are spending more than ₹50,000 a month on your credit card, we recommend the YES FIRST Exclusive Credit Card. We estimate it offers a net reward yield of 1.7% for high spenders.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card YES Bank Wellness Plus Credit Card
Card Type Reward
Reward Features 30 Reward Points / ₹200 on Pharmaceutical Stores

6 Reward Points / ₹200 on all other spends

Milestone Rewards Nil
Other Rewards – Annual preventive health, eye & dental check-up

– Complimentary preventive health checkup / Year

– 12 complimentary fitness sessions (Gym, Yoga, Zumba, etc.) per month

– Unlimited Consultation from General Practitioners, Nutritionist, and Specialist

– 2 Complimentary Domestic Airport Lounge Visits / Qtr

Rewards Redemption Fee ₹100
Reward Caps Unlimited
Preferred Redemption Method Redeem on YES Rewardz Portal

1RP = ₹0.25

Fees & Charges

Card YES Bank Wellness Plus Credit Card
Joining Fee ₹1,499 + Taxes
Annual Fee ₹1,499 + Taxes
Min. Annual Credit Card Spend
for Fee Waiver
Income Criteria Salaried ₹25,000 p.m.
Self-employed ITR>₹7.5 Lacs
Supplementary Card Fee Free
Interest Rate 42.00% p.a.
Foreign Currency Markup 3.50%
Cash Advance Charge 2.50% with a minimum of ₹300
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